随着经济体制改革和金融体制改革的深入，农村信用社贷款长期粗放管理所带来的弊端已经逐渐暴露。不良贷款占比高已经严重阻碍了信用社的发展。农村信用社有必要实施贷款核查，逐社、逐笔核实贷款，摸清信贷资产的结构和占用形态，强化信贷管理，提高信贷资产质量。 　　一、贷 With the reform of the economic system and the reform of the financial system, the drawbacks caused by the long-term extensive management of rural credit cooperatives loans have gradually been exposed. The high proportion of non-performing loans has seriously hindered the development of credit cooperatives. It is necessary for rural credit cooperatives to carry out loan verification and bankruptcy inspection, to verify the loans one by one, find out the structure and occupancy patterns of credit assets, strengthen credit management and improve the quality of credit assets. First, credit